| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFIS BENEFITS AND INS. SERVICES3 | 5858 HORTON STREET EMERYVILLE, CA 94608 | MVP HEALTH CARE | $282K | — | $282K | 2.86% |
| UBF INSURANCE SERVICES, INC.3 | 2033 NORTH MAIN STREET, SUITE 700 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | — | $49K | 2.05% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF CONSULTING, INC. | 5858 HORTON STREET, SUITE 350 EMERYVILLE, CA 94608 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $138K | — | $138K | 10.00% |
| ALAN FONG INSURANCE SERVICES3 Filed as: ALAN FONG INSURANCE SERVICES, INC. | 5858 HORTON STREET, SUITE 350 EMERYVILLE, CA 94608 | KAISER FOUNDATION HEALTH PLAN INC | $64K | — | $64K | 5.45% |
| UBF INSURANCE SERVICES, INC.3 | 5858 HORTON STREET, SUITE 350 EMERYVILLE, CA 94608 | BLUE CROSS OF CALIFORNIA | $44K | — | $44K | 3.72% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF CONSULTING, INC. | 5858 HORTON STREET, SUITE 350 EMERYVILLE, CA 94608 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $17K | — | $17K | 10.00% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF CONSULTING, INC. | 2033 NORTH MAIN STREET WALNUT CREEK, CA 94596 | EYEMED VISION CARE | $3K | — | $3K | 2.51% |
| AFIS BENEFITS3 Filed as: AFIS BENEFITS AND INSURANCE SERVICE | 5858 HORTON STREET EMERYVILLE, CA 94608 | EYEMED VISION CARE | $829 | — | $829 | 0.81% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF CONSULTING, INC. | 2033 NORTH MAIN STREET, SUITE 700 WALNUT CREEK, CA 94596 | EYEMED VISION CARE | $1K | — | $1K | 1.37% |
| AFIS BENEFITS AND INS. SERVICES3 | 5858 HORTON STREET EMERYVILLE, CA 94608 | EYEMED VISION CARE | $415 | — | $415 | 0.53% |
| AFIS BENEFITS AND INS. SERVICES3 | 2033 NORTH MAIN STREET, SUITE 700 WALNUT CREEK, CA 94596 | EYEMED VISION CARE | $154 | — | $154 | 0.20% |
| ALAN FONG INSURANCE SERVICES3 Filed as: ALAN D. FONG | 2033 NORTH MAIN STREET, SUITE 700 WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 14.92% |
| UBF INSURANCE SERVICES, INC.3 | 2033 NORTH MAIN STREET, SUITE 700 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $2K | — | $2K | 4.37% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MVP HEALTH CARE | 1,822 | $12.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,635 | $2.4M |
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE | 3,235 | $216K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,209 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,209 | $1.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,209 | $1.4M |
| Prescription drug(3 contracts, 3 carriers) | MVP HEALTH CARE | 1,822 | $12.2M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,209 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,635 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.